Turtle Investor
Hello there! I am Kevin and the author behind the Turtle Investor blog. At age 37, I hit CPF Full Retirement Sum (FRS) of $176,000 on the last day of 2019, twelve years after graduating from university. I am married and owns a 4-room apartment. I continue to be gainfully employed to build up my portfolio and provide my loved ones with better lives. Leaving everything behind and transitioning to a digital nomad life in Bali remains an option but not something that I’m actively pursuing now 🙂
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Invest By Turtle Investor • August 5, 2026
Singapore Savings Bonds (SSB) Sep 2026: Year 1 (1.52%), 10-Year (2.25%) & Results The SSB September 2026 issue pays 1.52% in year one and a 2.25% average over 10 years. Both rates ticked up from August, with the 10-year average...
Personal Finance By Turtle Investor • August 4, 2026
FIRE Trial Expense Report — July 2026: A Malaysia Trip In A Dividend-Rich Month June was a thin-but-green win where the biggest expense was mostly timing. July had us in Malaysia for a few days, and the spending still came in...
Invest By Turtle Investor • August 3, 2026
Cash Strategy: Where I Park My Funds Without Chasing Rates (Q3 2026) Where I keep my spare cash is not exciting, and that is on purpose. A couple of accounts, a simple rule for what goes where, and no app-hopping to...
Insurance By Turtle Investor • August 2, 2026
Travel Insurance In Singapore: How To Buy It Without Overpaying I have never been shy about travel insurance. I’ve needed it firsthand, and a hospital visit in Bali at 3am will do that to you. I’ve also argued...
Personal Finance By Turtle Investor • August 1, 2026
Retirement Planning in Singapore: The 3 Things You Need (And Why CPF Builds Them) Retirement isn’t only for the old Most people picture retirement as something that starts at 65, on the last day of a long career. I don’t see it...
Travel & Lifestyle By Turtle Investor • July 31, 2026
KrisFlyer Miles Update (Q2 2026): The 2 Free Tools I Built To Track And Fly As of today, I have 306,936 KrisFlyer Miles sitting ready to become flights. That is fewer than I had back in 2022, when the number read 324,058. Four...
Shares & Derivatives By Turtle Investor • July 30, 2026
Frasers Centrepoint Trust (FCT) Q3 FY2026 Update: Cheaper 3.0% Debt Since Frasers Centrepoint Trust (FCT) posted its half-year results in April, a lot has happened. The manager inked a deal to sell White Sands, joined...
Credit Card By Turtle Investor • July 22, 2026
UOB EVOL Review: The Ideal First Credit Card (2026) Perhaps you just started work. You read somewhere that it is a good idea to get a credit card, and suddenly you are staring at dozens of them, each...
Shares & Derivatives By Turtle Investor • July 17, 2026
Frasers Centrepoint Trust (FCT) 1H FY2026 Results: DPU Up 1.4% FCT’s 1H FY2026 result carries a loud headline, with revenue and net property income both up about 20%. The distribution per unit barely moved, and...
Invest By Turtle Investor • July 16, 2026
Frasers Centrepoint Trust-Linked Consortium Top Bidder For $2.1b Bayshore Mixed-Use Site (2026) Frasers Centrepoint Trust (FCT) is part of the consortium that placed the top bid for the Bayshore Drive site, a large mixed-use plot in...
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